山西省政策性农业保险对农户生产支持研究

发布时间：2018-05-20 02:45

本文选题：政策性农业保险 + 生产支持　；参考：《内蒙古财经大学》2014年硕士论文

【摘要】：我国农业户口人口比重高达65%(2012年年底)，作为一个农业大国，从古至今重视农业，农业一直是我国的社会基础和国民经济的重要组成部分，农业的持续健康发展直接关系到国家经济的命脉。同时，我国又是一个因东西南北跨度大、地形地貌复杂、气温条件差异大且自然灾害频发的国家，各种自然灾害每年都会对农业生产发展造成非常严重的损失，影响着农业经济的健康发展和农民生活的稳定提高。农业保险作为分散农业风险、化解灾害损失的有效手段，不仅符合WTO农业协议规定的“绿箱”政策，而且也符合我国支持和稳定农业生产的政策，还有利于恢复农业再生产、稳定农民收入和促进农村经济发展。我国与世界上大多数国家一样，也积极开展了农业保险业务来应对农业风险带来的损失，稳定农业基础地位以及加快农业现代化进程推进。《国民经济和社会发展十二五发展规划纲要》及2014年中央一号文件都明确要求:要积极发展政策性农业保险,不断健全农业保险制度。山西省是我国农耕文化的发祥地和黄河中游古老的农业区之一，是我国重要的小杂粮生产基地，具有“杂粮王国”称号。而自然灾害的频发给山西省的农业生产带来了具大影响，尤其以干旱、洪涝、冰雹影响较为严重。因此，农业的健康发展需要政策性农业保险的支持。虽然山西省开展农业保险较早，取得了一定的成绩，但政策性农业保险在山西省依然发展缓慢，发展状况不完善、法律法规不健全、农险公司少、保险险种短缺、承保规模和承保范围小、道德风险严重等原因，不仅难以有效补偿农业灾害损失满足农民需求，对农户生产支持起不到较好的促进作用，更与其他开展农业保险省份相比有较大差距。因此，，结合山西省农业和经济实际发展情况，参考优秀省份经验，探寻出一条适合山西省支持农户生产的政策性农业保险道路，具有十分重要的理论价值和现实意义。本文根据西方经济学、金融学和保险学的基本原理，借鉴国内外农业保险发展的理论与实践，运用实证分析与规范分析相结合的方法，系统分析了山西省政策性农业保险对农户支持现状及支持效应，找出政策性农业保险对农户支持不足的原因，并提出促进山西省政策性农业保险发展的对策建议。在研究内容的编排序列上作了如下安排：第一章是绪论，主要阐述本文的研究背景意义、国内外研究综述、研究方法和思维路线，并提出研究的不足以及创新之处。通过对国内外文献研究发现，关于农业保险市场不足原因更多侧重于有效需求不足的探索，而从供给角度分析较少；同时，保险作为金融产品的一部分，从金融角度分析也具有很大的理论价值和现实意义。第二章是阐述本文所用的相关理论。本章首先对保险、农业保险以及政策性农业保险相关概念及特征给予界定。并系统阐述农业保护理论、供给领先理论和农业保险供需理论。第三章是本文研究山西省政策性农业保险的现实铺垫，概述农业保险在山西省的发展现状和政策性农业保险对农户生产支持的现状，第四章利用实证分析，通过对山西省统计年鉴、保险年鉴、行业数据等各种数据的分析统计，结合山西省政策性农业保险开展情况，从经济补偿角度、生产角度和收入角度三个方面分析研究了政策性农业保险对农户生产的支持效应，并对以上三方面效应进行评估，得出山西省政策性农业保险对农户生产的支持主要表现在经济补偿、生产支持和收入稳定三方面。第五章基于相关理论基础和山西省政策性农业保险支持现状，分析了山西省政策性农业保险对农户生产支持不足的原因。分别从山西省农业保险市场经营环境、当地政府支持力度和保险人（即保险公司）自身供给三个角度进行了深入分析。第六章是在第五章的基础上，针对政策性农业保险对农户生产支持不足原因，提出对策建议。主要有农业保险市场经营环境的改善，包括降低保险公司经营成本、提高农户道德水平和收入水平下；政府支持力度的提升，包括完善法律法规建设、改进补贴方式、增加保险公司供给和建立巨灾风险分散机制；保险人自身供给的增强，包括产品创新、积极宣传、人才培养和技术提升。最后，希望通过本文研究，能够对山西省政策性农业保险支持农户生产起到推动作用，并进而促进山西省农业健康稳定持续发展和农民收入稳步提高。
[Abstract]:The proportion of agricultural household population in China is up to 65% (at the end of 2012). As a big agricultural country, agriculture has been paid much attention to from ancient times to the present. Agriculture has always been the social foundation of our country and an important part of the national economy. The sustainable and healthy development of agriculture is directly related to the lifeblood of the country's economy. In a country with complex geomorphology, high temperature difference and frequent natural disasters, various natural disasters will cause serious losses to the development of agricultural production every year, affecting the healthy development of agricultural economy and improving the stability of farmers' lives. As an effective means of dispersing agricultural risks and dissolving the loss of disasters, agricultural insurance not only conforms to WTO, but also conforms to the effective means of dissolving the loss of disasters. The policy of "green box" stipulated in the agricultural agreement also conforms to the policy of supporting and stabilizing agricultural production in our country. It is also conducive to restoring agricultural reproduction, stabilizing farmers' income and promoting the development of rural economy. Like most countries in the world, China has also actively carried out the agricultural insurance insurance business to deal with the losses caused by agricultural risks and stabilize the risk. The basic status of agriculture and the promotion of the process of agricultural modernization drive. The program for development of national economy and social development in 12th Five-Year and the No. 1 document in 2014 have clearly demanded that the policy oriented agricultural insurance should be actively developed and the agricultural insurance system should be continuously improved.
Shanxi province is the birthplace of farming culture in China and one of the ancient agricultural areas in the middle reaches of the Yellow River. It is an important small grain production base in China and has the title of "grain kingdom". The frequent occurrence of natural disasters has brought great influence on the agricultural production of Shanxi Province, especially in the drought, flood, and hail. Therefore, the healthy development of agriculture. It is necessary to support the policy based agricultural insurance. Although Shanxi province has made some achievements in developing agricultural insurance earlier, the policy based agricultural insurance still develops slowly in Shanxi Province, the development situation is not perfect, the laws and regulations are not perfect, the insurance companies are less, the insurance insurance is short, the scope of insurance and the scope of insurance are small, and the moral risk is serious, and so on. It is not only difficult to effectively compensate the loss of agricultural disasters to meet the needs of farmers, not to promote the production support of farmers, but also have a large gap compared with the other provinces to carry out agricultural insurance. Therefore, according to the actual development of agricultural and economic development in Shanxi province and the experience of the outstanding provinces, a suit for Shanxi province to support the farmers' students is sought. The policy oriented agricultural insurance policy is of great theoretical and practical significance.
Based on the basic principles of western economics, finance and insurance, and using the theory and practice of the development of agricultural insurance at home and abroad, using the method of combination of empirical analysis and normative analysis, this paper systematically analyzes the status and support effect of policy based agricultural insurance in Shanxi Province on Farmers' support, and finds out the shortage of policy based agricultural insurance to farmers' support. And puts forward countermeasures and suggestions to promote the development of policy oriented agricultural insurance in Shanxi.
The following is the arrangement of research contents:
The first chapter is the introduction, which mainly expounds the background significance of the research, the domestic and foreign research review, the research method and the thinking route, and puts forward the shortcomings and innovation of the research. Through the literature research at home and abroad, it is found that the reasons for the shortage of agricultural insurance market are more focused on the insufficient effective demand and less analysis from the perspective of supply. At the same time, insurance, as a part of financial products, has great theoretical and practical significance in financial analysis.
The second chapter is to elaborate the relevant theories used in this article. This chapter first defines the related concepts and characteristics of insurance, agricultural insurance and policy based agricultural insurance, and systematically expounds the theory of agricultural protection, the theory of supply leading and the theory of supply and demand of agricultural insurance.
The third chapter is the practical paving for the study of the policy based agricultural insurance in Shanxi province. The present situation of the development of agricultural insurance in Shanxi province and the status of policy based agricultural insurance to farmers' production support are summarized.
In the fourth chapter, through the empirical analysis, through the analysis and statistics of various data such as the statistical yearbook of Shanxi Province, the insurance Yearbook, the industry data, and the situation of the policy based agricultural insurance in Shanxi Province, this paper analyzes and studies the supporting effect of the policy based agricultural insurance on the production of farmers from the angle of economic compensation, the angle of production and the angle of income in three aspects. The above three effects are evaluated, and it is concluded that the support of policy based agricultural insurance in Shanxi province is mainly in three aspects: economic compensation, production support and income stability.
The fifth chapter, based on the relevant theoretical basis and the status of the policy based agricultural insurance in Shanxi Province, analyzes the reasons for the insufficient support of the policy based agricultural insurance in Shanxi province to the farmers' production support, respectively from the operating environment of the agricultural insurance market in Shanxi Province, the support of the local government and the self supply of the insurer (that is, the insurance company). Analysis.
The sixth chapter, on the basis of the fifth chapter, puts forward some suggestions on the reasons for the insufficient support of the policy based agricultural insurance to the production of farmers, mainly including the improvement of the operating environment of the agricultural insurance market, including reducing the operating costs of the insurance companies, raising the level of the farmers' moral and income, and improving the government's support, including the improvement of the legal law. We should build, improve the mode of subsidy, increase the supply of insurance companies and establish the mechanism of catastrophe risk dispersion, and enhance the supply of the insurer itself, including product innovation, positive propaganda, talent training and technical promotion.
Finally, I hope that through this study, it can play a role in supporting the production of policy based agricultural insurance in Shanxi Province, and further promote the steady and steady development of agricultural health in Shanxi province and the steady increase of farmers' income.
【学位授予单位】：内蒙古财经大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F842.66;F323.6

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